Tax-free income for the rest of your life.
A Roth IRA is one of the most powerful retirement tools in the tax code. You contribute after-tax dollars today, your money grows tax-free, and every qualified withdrawal in retirement is 100% tax-free — for you and eventually for your heirs.
What you get
Tax-free growth, tax-free withdrawals
Once you're 59½ and the account is at least 5 years old, every dollar you take out — contributions and gains — comes out completely tax-free.
No required minimum distributions
Unlike a traditional IRA or 401K, the IRS never forces you to draw down a Roth. Let it compound as long as you want, or leave it to your kids.
Access to your contributions any time
You can withdraw the money you contributed (not the growth) at any age, penalty-free — it's the most flexible retirement account there is.
Backdoor Roth for high earners
Income too high to contribute directly? We handle the backdoor Roth conversion so you still get all the tax-free benefits.
Who it's for
- Nevada earners under the IRS income limits ($150K single / $236K married in 2025)
- High earners who need a backdoor Roth strategy
- Anyone expecting to be in a higher tax bracket in retirement
- Parents and grandparents wanting to leave tax-free money to heirs
- Young professionals with decades of compounding ahead
Need more answers?
One conversation with a licensed Nevada advisor. No robocalls, no pressure — just a plan that fits.
Common questions
How much can I contribute?
$7,000 per year in 2025 ($8,000 if you're 50 or older). You have until Tax Day of the following year to make a contribution for the prior year.
Can I have a Roth IRA and a 401K?
Yes. Roth IRA contributions are separate from your workplace retirement plan — most people should be funding both.
What if I make too much to contribute?
We use the backdoor Roth strategy: contribute to a traditional IRA and convert it to a Roth. There's no income limit on the conversion.
Can I roll an old 401K into a Roth IRA?
Yes — it's called a Roth conversion. You'll owe income tax on the converted amount, but it can be a huge long-term win. We'll model whether it makes sense for your situation.